| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | TRION OPERATING LOCKBOX P.O. BOX 412703 BOSTON, MA 02241 | METLIFE LEGAL PLANS | $369K | — | $369K | 10.13% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST ST STE 100 MIAMI, FL 33178 | METLIFE LEGAL PLANS | — | $13K | $13K | 0.35% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA,INC | TRION GROUP, A MARSH MCLENNAN AGY 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | METLIFE LEGAL PLANS | — | $13K | $13K | 0.35% |
| MARSH & MCLENNAN AGENCY LLC3 | TRION OPERATING LOCKBOX P.O. BOX 412703 BOSTON, MA 02241 | METLIFE LEGAL PLANS | — | $12K | $12K | 0.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLENNAN AGENCY | P O BOX 350 CONSHOHOCKEN, PA 19428 | METLIFE LEGAL PLANS | — | $3K | $3K | 0.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN | 6279 TRI RIDGE BLVD LOVELAND, OH 451408320 | METLIFE LEGAL PLANS | — | $415 | $415 | 0.01% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | METLIFE LEGAL PLANS | 0 | $3.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 0 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.